⁣Ok, today we are going to talk about a decade-by-decade retirement plan… Saving for retirement is a challenging but essential goal. Government pensions likely won’t be enough to live on, so it’s up to you to provide a comfortable retirement income. Here is a retirement plan broken down for you, decade by decade…⁣If you are looking for a top-notch mortgage advisor in Scottsdale call us at, 808-479-8546

⁣Ok, today we are going to talk about how to furnish your home on a budget… If you’ve just bought a home, you may feel pressured to furnish the whole thing all at once, which can be expensive. But there are many ways to moderate costs. Here are 6 tips for furnishing your home on a budget… ⁣If you are looking for a top-notch loan officer in Austin call us at, 512-965-5720

⁣Ok, today we are going to talk about what a stratified market is and what it means to you… If you’re planning to buy or sell a house, you’re probably already familiar with the terms “buyer’s market” and “seller’s market.” In a buyer’s market, there are more homes than buyers, so prices drop and buyers get better deals. In a seller’s market there are more buyers than homes, so prices rise and sellers make more money. But there’s a third type of market, and it’s called a stratified market. Here’s what you need to know… ⁣If you are looking for a top-notch mortgage advisor in Scottsdale call us at, 808-479-8546

⁣Ok, today we are going to review everything you need to know about second mortgages… What is a second mortgage? A second mortgage is an additional loan taken out on a property that’s already mortgaged. Second mortgages are riskier for lenders than first mortgages because they’re in second position on your property's title. As a result, the interest rate on second mortgages is higher. Here’s what you need to know about second mortgages…⁣If you are looking for a top-notch mortgage advisor in Scottsdale call us at, 808-479-8546

⁣Ok, today we are going to talk about how you can save time and money paying your utility bills on your home… Monthly bills are inevitable and predictable. But for some people, bills come as a surprise just when they can least afford them. Here’s 6 tips to save you time and money paying your utility bills… ⁣If you are looking for a top-notch mortgage advisor in Scottsdale call us at, 808-479-8546

⁣Ok, today we are going to talk about how to save money renovating your home… Renovating can add comfort, convenience and value to your home. But renovations are often pricey. Here are 5 tips for updating your home without blowing your budget… ⁣If you are looking for a top-notch loan officer in Austin call us at, 512-965-5720

⁣Ok, today we are going to talk about how to prepare your finances for a natural disaster or pandemic… The thing about crisis situations is that you never know when to expect them. The only way to cope is by being prepared. Here are 4 ways to prepare your finances to help you make it through challenging times…⁣If you are looking for a top-notch mortgage advisor in Scottsdale call us at, 808-479-8546

⁣Ok, today we are going to talk about the expense of hiring a real estate agent and if it’s really worth it to you… When you’re selling a home, so much money is at stake, you can’t afford to make a mistake. That’s why over 90% of buyers and sellers work with a Realtor. But let’s face it, Real estate commissions are expensive. Are Realtors really worth it? Here’s what good Realtors do to earn every penny of their commissions…⁣If you are looking for a top-notch mortgage advisor in Scottsdale call us at, 808-479-8546

⁣Ok, today we are going to talk about 5 simple things you can do to your home to instantly boost the price when it hits the market… You don’t have to hire a professional stager to prepare sell your home. With a little guidance from a Realtor and a few simple touches, your home’s value can increase instantly. Here are 5 things you can do that can help you boost your asking price… ⁣If you are looking for a top-notch loan officer in Austin call us at, 512-965-5720

⁣Ok, today we are going to talk about when it is smart to pay off your mortgage early… Being mortgage-free sounds wonderful. But as with most financial choices, there are pros and cons. Before using an inheritance, a raise or savings to pay off your mortgage early, there are some important things to consider. Here’s 7 things to consider if you want to pay your mortgage off early…⁣ If you are looking for a top-notch mortgage advisor in Scottsdale call us at, 808-479-8546

⁣Ok, today we are going to talk about how to manage your finances during a recession… Nobody welcomes a recession. But if you’re among the fortunate majority that still has an income and a home, a recession can actually be a time of valuable learning and growth. Here are 5 ways to manage your finances during a recession…⁣If you are looking for a top-notch mortgage advisor in Scottsdale call us at, 808-479-8546

⁣Ok, today we are going to talk about how to start investing… Obviously, there are several things to take care of before you can start investing. You need to cover rent or mortgage payments, monthly bills, groceries, etc., and you also need some money set aside for emergencies. But once you’ve accomplished that, it’s time to start investing for the future. Here are 5 steps to help you start investing… ⁣If you are looking for a top-notch loan officer in Austin call us at, 512-965-5720

⁣Ok, today we are going to talk about 6 things you need to examine closely in a home inspection… Buying a home is a huge investment, and unfortunately, we’re not all qualified to judge whether a home is worth the money. That’s why it’s essential to hire a professional home inspector. Here are 6 things to pay extra attention to in any home inspection…⁣If you are looking for a top-notch mortgage advisor in Scottsdale call us at, 808-479-8546

⁣Ok, today we are going to talk about how to create or update your home office space… The COVID pandemic introduced many of us to working from home. And regardless of being in a pandemic or not, many of us will continue to and have been working from home already. So now’s the time to make your home office as efficient, comfortable and uplifting as possible. Here are 6 ways to make your home office work better…⁣If you are looking for a top-notch mortgage advisor in Scottsdale call us at, 808-479-8546

⁣Ok, today we are going to talk about how to rebuild your finances if you’ve suffered from financial abuse… Being in an unhealthy relationship could be emotionally, physically, or even financially damaging. And according to recent statistics, 99% of domestic violence also includes financial abuse. Here’s what to do if you’re in a financially abusive situation, or if you’re recovering from one…⁣If you are looking for a top-notch mortgage advisor in Scottsdale call us at, 808-479-8546

⁣Ok, today we are going to talk about 5 things you need to know about foreclosures… Heaven forbid, you get several months late on mortgage payments, your lender’s last resort is to initiate foreclosure. This is a lengthy and expensive process for your lender, but its impact on you can be even more negative. Here’s 5 facts you need to know about the foreclosure process… ⁣If you are looking for a top-notch loan officer in Austin call us at, 512-965-5720

⁣Ok, today we are going to talk about how to convert a construction loan into a traditional mortgage… If you’re planning to build a house or do a major renovation, you usually can’t qualify for a traditional mortgage because there’s no existing home to use as collateral. What you need is a construction loan, which is based on the projected future value of the completed property. Generally, construction loans are interest-only while the house is being built. Then when construction is complete, you refinance into a regular mortgage. Here’s how the process works…⁣ If you are looking for a top-notch mortgage advisor in Scottsdale call us at, 808-479-8546

⁣Ok, today we are going to talk about what a force majeure clause is and where or not it applies to your mortgage… “Force majeure” is French for superior force. It’s a term used in legal documents that can sometimes let a person or business get out of a contract. Here’s what you need to know and when it could apply to you… ⁣ If you are looking for a top-notch mortgage advisor in Scottsdale call us at, 808-479-8546

⁣Ok, today we are going to talk about why it’s important to price your house right. When you list your house, you want it to sell fast and at a high price. In order for that to happen, it needs to be priced right. But this is where it gets tricky. Price it too low, and it may sell quickly but you’ll leave money on the table. Price it too high, and it may take months and several price reductions to sell. Here are 5 reasons why it’s important to price your house right… ⁣If you are looking for a top-notch loan officer in Austin call us at, 512-965-5720

⁣Ok, today we are going to talk about what cash reserves are and why you need them to buy a home… When buying a house, most people only think about saving enough to cover a down payment and closing costs. But lenders like to see more than that. Borrowers who have additional “cash reserves” are considered lower risk and are more likely to be approved for financing at the lowest possible rate. So, what are “cash reserves” and how can they benefit you? Take a look… ⁣If you are looking for a top-notch mortgage advisor in Scottsdale call us at, 808-479-8546